University of Michigan Health Plan HMO Exclusive Gold Classic
60829MI0190009
Gold
HMO
University of Michigan Health Plan HMO Exclusive Gold Classic is a Gold HMO plan by University of Michigan Health Plan.
Locations
University of Michigan Health Plan HMO Exclusive Gold Classic is offered in the following counties.
Plan Overview
This is a plan overview for 2025 version of University of Michigan Health Plan HMO Exclusive Gold Classic 60829MI0190009.
| Insurer: | University of Michigan Health Plan |
| Network Type: | HMO |
| Metal Type: | Gold |
| HSA Eligible?: | No |
| Plan ID: | 60829MI0190009 |
Cost-Sharing Overview
University of Michigan Health Plan HMO Exclusive Gold Classic offers the following cost-sharing.
Cost-Sharing
Out-of-Network Cost-Sharing
Cost-Sharing Examples
Cost-Sharing
Cost-sharing for University of Michigan Health Plan HMO Exclusive Gold Classic includes your out-of-pocket maximum, your annual deductible, and coinsurance under this plan.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Pocket Maximum: | $8000 per person | $16000 per group |
| Deductible: | $1000 per person | $2000 per group |
| Coinsurance: | $2000 per group | |
Out-of-Network Cost-Sharing
Some plans have different cost-sharing out-of-network. The out-of-network cost-sharing for University of Michigan Health Plan HMO Exclusive Gold Classic will be shown below if applicable.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Network Maximum: | per person not applicable | per group not applicable |
| Out-of-Network Deductible: | per person not applicable | per group not applicable |
Cost-Sharing Examples
The cost-sharing for the sample Summary of Benefits & Coverage (SBC) scenarios of having a baby, having diabetes, and having a simple fracture.
| Deductible: | $1,000 |
| Copayment: | $10 |
| Coinsurance: | $2,300 |
| Limit: | $50 |
| Deductible: | $400 |
| Copayment: | $1,300 |
| Coinsurance: | $0 |
| Limit: | $0 |
| Deductible: | $1,000 |
| Copayment: | $300 |
| Coinsurance: | $300 |
| Limit: | $0 |
Notes:
- Some plans have separate cost-sharing for medical and drugs, while other plans offer combined cost-sharing. The cost-sharing amounts above are combined medical and drug costs unless otherwise noted.
- You are viewing the standard version of this plan. Your costs may be lower depending on your income. Use the “get a quote” button below to see your estimated premium and out-of-pocket costs after assistance.
Ready to sign up for University of Michigan Health Plan HMO Exclusive Gold Classic?
Click or call to enroll online, get a quote, or find out if you qualify for assistance.
Get Help from a licensed agent. 1-877-668-0904
Plan Features
University of Michigan Health Plan HMO Exclusive Gold Classic offers the following features and referral requirements.
| Wellness Program: | No |
| Disease Program: | Asthma, Diabetes, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy, Weight Loss Programs |
| Notice Pregnancy: | No |
| Referral Specialist: | No |
| Specialist Requiring Referral: | |
| Plan Exclusions: | |
| Child Only Option?: | Allows Adult and Child-Only |
Network Details
The following network details will help you understand what University of Michigan Health Plan HMO Exclusive Gold Classic covers when you are out of the service area or out of the country.
| Out of Country Coverage: | Yes |
| Out of Country Coverage Description: | Coverage for emergency and urgent care only |
| Out of Service Area Coverage: | Yes |
| Out of Service Area Coverage Description: | Coverage only for emergency health services and urgent care visits at network benefit level |
| National Network: | No |
Additional Benefits and Cost-Sharing
University of Michigan Health Plan HMO Exclusive Gold Classic includes the following benefits at the cost sharing rates listed below.
| Service | In-Network Copay / Coinsurance | Out-of-Network Copay / Coinsurance | Limits and Explanation |
|---|---|---|---|
| Primary Care Visit to Treat an Injury or Illness Covered | $30.00 Not Applicable | Not Applicable 100.00% | |
| Specialist Visit Covered | $50.00 Not Applicable | Not Applicable 100.00% | |
| Other Practitioner Office Visit (Nurse, Physician Assistant) Covered | $30.00 Not Applicable | Not Applicable 100.00% | |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Outpatient Surgery Physician/Surgical Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Hospice Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | 45.0 Days per Year Custodial Care Coverage includes inpatient and outpatient hospice care. |
| Routine Dental Services (Adult) Not Covered | |||
| Infertility Treatment Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Underlying causes only. |
| Long-Term/Custodial Nursing Home Care Not Covered | |||
| Private-Duty Nursing Not Covered | |||
| Routine Eye Exam (Adult) Not Covered | |||
| Urgent Care Centers or Facilities Covered | $75.00 Not Applicable | $75.00 Not Applicable | |
| Home Health Care Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Emergency Room Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 20.00% Coinsurance after deductible | |
| Emergency Transportation/Ambulance Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 20.00% Coinsurance after deductible | |
| Inpatient Hospital Services (e.g., Hospital Stay) Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Inpatient Physician and Surgical Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Bariatric Surgery Covered | Not Applicable 50.00% Coinsurance after deductible | Not Applicable 100.00% | 1.0 Procedure(s) per Lifetime Prior approval required |
| Cosmetic Surgery Not Covered | |||
| Skilled Nursing Facility Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | 45.0 Days per Year Prior approval required |
| Prenatal and Postnatal Care Covered | No Charge Not Applicable | Not Applicable 100.00% | |
| Delivery and All Inpatient Services for Maternity Care Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Approval required if stay is longer than federal minimum time frames. |
| Mental/Behavioral Health Outpatient Services Covered | $30.00 Not Applicable | Not Applicable 100.00% | Prior approval required for all non-routine services. The cost sharing that displays applies to outpatient office visits and testing only. All other outpatient services, such as, but not limited to, treatment and therapies, may be subject to additional cost sharing. Please refer to the plan policy documents for detailed information. |
| Mental/Behavioral Health Inpatient Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required. |
| Substance Abuse Disorder Outpatient Services Covered | $30.00 Not Applicable | Not Applicable 100.00% | Prior approval required for all non-routine services. |
| Substance Abuse Disorder Inpatient Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required. |
| Generic Drugs Covered | $20.00 Not Applicable | Not Applicable 100.00% | |
| Preferred Brand Drugs Covered | $60.00 Not Applicable | Not Applicable 100.00% | |
| Non-Preferred Brand Drugs Covered | $80.00 Not Applicable | Not Applicable 100.00% | |
| Specialty Drugs Covered | Not Applicable 20.00% | Not Applicable 100.00% | Prior approval required on select drugs. All specialty drugs are only available in up to 31-day supply from Accredo mail-order specialty pharmacy. |
| Outpatient Rehabilitation Services Covered | $50.00 Copay after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Year PT/OT – combined visits per contract year; 30 ST per contract year; 30 cardiac/pulmonary visits per contract year. |
| Habilitation Services Covered | $50.00 Copay after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Year Yearly limits: PT and OT: 30 visits, Speech: 30 visits. |
| Chiropractic Care Covered | $30.00 Copay after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Year |
| Durable Medical Equipment Covered | Not Applicable 50.00% | Not Applicable 100.00% | Certain DME require Prior Auth. Contact PHP |
| Hearing Aids Not Covered | |||
| Imaging (CT/PET Scans, MRIs) Covered | $150.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Preventive Care/Screening/Immunization Covered | No Charge Not Applicable | Not Applicable 100.00% | |
| Routine Foot Care Not Covered | |||
| Acupuncture Not Covered | |||
| Weight Loss Programs Covered | Not Applicable 50.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Routine Eye Exam for Children Covered | No Charge Not Applicable | Not Applicable 100.00% | 1.0 Exam(s) per Year |
| Eye Glasses for Children Covered | No Charge Not Applicable | Not Applicable 100.00% | 1.0 Item(s) per Year |
| Dental Check-Up for Children Not Covered | |||
| Rehabilitative Speech Therapy Covered | $50.00 Copay after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Year Prior approval required |
| Rehabilitative Occupational and Rehabilitative Physical Therapy Covered | $50.00 Copay after deductible Not Applicable | Not Applicable 100.00% | 30.0 Visit(s) per Year |
| Well Baby Visits and Care Covered | No Charge Not Applicable | Not Applicable 100.00% | |
| Laboratory Outpatient and Professional Services Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| X-rays and Diagnostic Imaging Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Basic Dental Care – Child Not Covered | |||
| Orthodontia – Child Not Covered | |||
| Major Dental Care – Child Not Covered | |||
| Basic Dental Care – Adult Not Covered | |||
| Orthodontia – Adult Not Covered | |||
| Major Dental Care – Adult Not Covered | |||
| Abortion for Which Public Funding is Prohibited Not Covered | |||
| Transplant Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Must be done at Designated Facility. Prior approval required. |
| Accidental Dental Covered | $50.00 Not Applicable | Not Applicable 100.00% | Prior approval required |
| Dialysis Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Allergy Testing Covered | Not Applicable 50.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Chemotherapy Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Radiation Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Diabetes Education Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Prosthetic Devices Covered | Not Applicable 50.00% | Not Applicable 100.00% | Prior approval required for some items |
| Infusion Therapy Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required. |
| Treatment for Temporomandibular Joint Disorders Covered | Not Applicable 50.00% Coinsurance after deductible | Not Applicable 100.00% | Coverage includes medical care or services to treat dysfunction or TMJS resulting from a medical cause or injury, Office visits for medical evaluation and treatment, X-rays of the temporomandibular joint including contrast studies, but not dental X-rays, Myofunctional therapy and Surgery to the temporomandibular joint, such as condylectomy, meniscectomy, arthrotomy, and arthrocentesis. |
| Nutritional Counseling Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Reconstructive Surgery Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Gender Affirming Care Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Autism Spectrum Disorders Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Clinical Trials Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Dental Anesthesia Covered | Not Applicable 50.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Mental Health Intermediate Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Substance Abuse Intermediate Covered | Not Applicable 20.00% Coinsurance after deductible | Not Applicable 100.00% | Prior approval required |
| Telemedicine Services Covered | $30.00 Not Applicable | Not Applicable 100.00% | Cost share applies per benefit category |
| Non-Preferred Specialty Drugs Covered | Not Applicable 40.00% | Not Applicable 100.00% | Prior approval required on selected drugs. All specialty drugs are only available in up to 31-day supply from Accredo mail-order specialty pharmacy. |
| Preferred Generic Drugs Covered | $5.00 Not Applicable | Not Applicable 100.00% | Tier 1A preferred generic drugs have the lowest copay (see SBC) and are available from a network retail pharmacy in up to a 90-day supply |
Free Preventive Services
There is no copayment or coinsurance for any of the following University of Michigan Health Plan HMO Exclusive Gold Classic preventive services. This is true even if you haven’t met your yearly deductible.
Please note, these services are free only when delivered by a doctor or other provider in your plan’s network.
Preventive Care Benefits for All Adults
Preventive Care Benefits for Women
Preventive Care Benefits for Children
Preventive Care Benefits for All Adults
Preventive care benefits for adults
- Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
- Alcohol misuse screening and counseling
- Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
- Blood pressure screening
- Cholesterol screening for adults of certain ages or at higher risk
- Colorectal cancer screening for adults 45 to 75
- Depression screening
- Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
- Diet counseling for adults at higher risk for chronic disease
- Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
- Hepatitis B screening for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
- Hepatitis C screening for adults age 18 to 79 years
- HIV screening for everyone age 15 to 65, and other ages at increased risk
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adults at high risk for getting HIV through sex or injection drug use
- Immunizations for adults — doses, recommended ages, and recommended populations vary:
- Chickenpox (Varicella)
- Diphtheria
- Flu (influenza)
- Hepatitis A
- Hepatitis B
- Human Papillomavirus (HPV)
- Measles
- Meningococcal
- Mumps
- Whooping Cough (Pertussis)
- Pneumococcal
- Rubella
- Shingles
- Tetanus
- Lung cancer screening for adults 50 to 80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
- Obesity screening and counseling
- Sexually transmitted infection (STI) prevention counseling for adults at higher risk
- Statin preventive medication for adults 40 to 75 at high risk
- Syphilis screening for adults at higher risk
- Tobacco use screening for all adults and cessation interventions for tobacco users
- Tuberculosis screening for certain adults without symptoms at high risk
Preventive Care Benefits for Women
Services for pregnant women or women who may become pregnant
- Breastfeeding support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
- Birth control: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.”
- Folic acid supplements for women who may become pregnant
- Gestational diabetes screening for women 24 weeks pregnant (or later) and those at high risk of developing gestational diabetes
- Gonorrhea screening for all women at higher risk
- Hepatitis B screening for pregnant women at their first prenatal visit
- Maternal depression screening for mothers at well-baby visits
- Preeclampsia prevention and screening for pregnant women with high blood pressure
- Rh incompatibility screening for all pregnant women and follow-up testing for women at higher risk
- Syphilis screening
- Expanded tobacco intervention and counseling for pregnant tobacco users
- Urinary tract or other infection screening
Other covered preventive services for women
- Bone density screening for all women over age 65 or women age 64 and younger that have gone through menopause
- Breast cancer genetic test counseling (BRCA) for women at higher risk
- Breast cancer mammography screenings
- Every 2 years for women 50 and over
- As recommended by a provider for women 40 to 49 or women at higher risk for breast cancer
- Breast cancer chemoprevention counseling for women at higher risk
- Cervical cancer screening
- Pap test (also called a Pap smear) for women age 21 to 65
- Chlamydia infection screening for younger women and other women at higher risk
- Diabetes screening for women with a history of gestational diabetes who aren’t currently pregnant and who haven’t been diagnosed with type 2 diabetes before
- Domestic and interpersonal violence screening and counseling for all women
- Gonorrhea screening for all women at higher risk
- HIV screening and counseling for everyone age 15 to 65, and other ages at increased risk
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative women at high risk for getting HIV through sex or injection drug use
- Sexually transmitted infections counseling for sexually active women
- Tobacco use screening and interventions
- Urinary incontinence screening for women yearly
- Well-woman visits to get recommended services for all women
Preventive Care Benefits for Children
Coverage for children’s preventive health services
- Alcohol, tobacco, and drug use assessments for adolescents
- Autism screening for children at 18 and 24 months
- Behavioral assessments for children: Age 0 to 17 years
- Bilirubin concentration screening for newborns
- Blood pressure screening for children: Age 0 to 17
- Blood screening for newborns
- Depression screening for adolescents beginning routinely at age 12
- Developmental screening for children under age 3
- Dyslipidemia screening for all children once between 9 and 11 years and once between 17 and 21 years, and for children at higher risk of lipid disorders
- Fluoride supplements for children without fluoride in their water source
- Fluoride varnish for all infants and children as soon as teeth are present
- Gonorrhea preventive medication for the eyes of all newborns
- Hearing screening for all newborns; and regular screenings for children and adolescents as recommended by their provider
- Height, weight and body mass index (BMI) measurements taken regularly for all children
- Hematocrit or hemoglobin screening for all children
- Hemoglobinopathies or sickle cell screening for newborns
- Hepatitis B screening for adolescents at higher risk
- HIV screening for adolescents at higher risk
- Hypothyroidism screening for newborns
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adolescents at high risk for getting HIV through sex or injection drug use
Immunizations for children from birth to age 18 — doses, recommended ages, and recommended populations vary:
- Chickenpox (Varicella)
- Diphtheria, tetanus, and pertussis (DTaP)
- Haemophilus influenza type b
- Hepatitis A
- Hepatitis B
- Human Papillomavirus (HPV)
- Inactivated Poliovirus
- Influenza (flu shot)
- Measles
- Meningococcal
- Mumps
- Pneumococcal
- Rubella
- Rotavirus
Lead screening for children at risk of exposure
Obesity screening and counseling
- Oral health risk assessment for young children from 6 months to 6 years
- Phenylketonuria (PKU) screening for newborns
- Sexually transmitted infection (STI) prevention counseling and screening for adolescents at higher risk
- Tuberculin testing for children at higher risk of tuberculosis: Age 0 -17
- Vision screening for all children
- Well-baby and well-child visits
Additional Resources
Below are additional resources for University of Michigan Health Plan HMO Exclusive Gold Classic including the Summary of Benefits & Coverage (SBC), plan brochure, formulary link, and a link to the website to pay your monthly premium after you enroll.
| Summary of Benefits: | Summary of Benefits Link |
| Plan Brochure: | Plan Brochure Link |
| Formulary: | Formulary Link |
| Premium Payment Website: | Premium Payment Link |
Ready to sign up for University of Michigan Health Plan HMO Exclusive Gold Classic?
Click or call to enroll online, get a quote, or find out if you qualify for assistance.
Get Help from a licensed agent. 1-877-668-0904